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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,968 | $104,953-62.9% | $84,637-54.0% | $152,909-74.5% |
| Participation rate | 93.3% | 74.8%+18.5pp | 68.2%+25.1pp | 82.5%+10.9pp |
| Annual return | 19.68% | 373.94%-354.3pp | 258.82%-239.1pp | 345.46%-325.8pp |
| Employer contribution / active EE | $8,285 | $3,304+150.8% | $2,653+212.2% | $4,764+73.9% |
| Participant deferral / active EE | $400 | $4,691-91.5% | $3,900-89.7% | $5,851-93.2% |
| Admin fee / account holder | $8,033 | $6,244+28.6% | $4,914+63.4% | $11,601-30.8% |